Those who meet the requirements can apply directly to the provident fund management center.
Personal housing public goods, the main contents are as follows:
1. The borrower has full capacity for civil conduct;
2, with the town officials
3. Have stable economic income, good credit and the ability to repay the principal and interest of the loan;
4. The housing provident fund shall be paid normally before the loan, and it shall be paid continuously for more than half a year;
5, can provide a valid contract or agreement for the purchase of owner-occupied housing;
6. The borrower and the purchaser must be consistent in the purchase contract, and the purchaser (except the spouse) must issue a written commitment to agree to the mortgage of the house;
7, with not less than 30% of the purchase value of owner-occupied housing (second-hand housing more than 40%) of its own funds;
8. The borrower agrees to handle housing mortgage loan and insurance;
9, the purchase of commercial housing, developers should provide phased guarantee and report the relevant credit materials;
10. The borrower agrees to set up a bank in the loan undertaking bank and directly collect the loan principal and interest from this account every month.
2. Is it a provident fund loan agency?
Legal intermediary security.
1. Because of the time, the owner may need the help of the intermediary to handle the mortgage and transfer procedures in the process of buying and selling houses. Before handling, it is best to sign a service agreement with an intermediary company;
2. Intermediary companies need to issue business licenses and other legal materials. After it is clear that all the materials are qualified and true, the owner will sign an agreement with the intermediary company on the relevant terms of service, and the terms of service and service fees should match;
On the basis of equality and mutual benefit, both parties should keep business secrets.
3. Is the company that pays the provident fund legal?
The company that pays the provident fund is legal, but it must be a regular provident fund payment company. Most of them are companies that are not qualified to pay taxes, so this kind of behavior is illegal. A company that can really pay the provident fund for others, that is, a legal payment company, needs to have the following points: 1, a formal business license, a clearly marked business scope of "paying the provident fund" and "acting as an agent for the provident fund", and a legal human resources service license, which is the most basic condition; 2. Have a formal office space, and you can make field trips; 3. Good reputation, you can search the companies that pay the provident fund online and compare them; 4. One-on-one provident fund housekeeper and after-sales housekeeper provide services for everyone, which is directly related to the timeliness of handling provident fund loans in the later period. Provident fund withdrawal process: 1. The drawee must first apply to the provident fund center. 2. The Provident Fund Center will inform the drawer of the materials to be filled in and the procedures to be handled when withdrawing the provident fund. 3. The extractor also needs to submit a written application to the employer, verify the information and issue relevant certificates to the employer, and verify the amount that can be withdrawn according to the regulations to the provident fund center. It also needs to fill in relevant matters and required information and affix the reserved seal. 4. The extractor shall provide correct materials, unit certificates and relevant vouchers to the provident fund center, and the staff of the center shall review them. 5. You can basically get the provident fund as long as you make a decision to approve the withdrawal after being audited by the competent leader of the provident fund center and sign the unit certificate submitted by the extractor. 6. For the provident fund that is allowed to be withdrawn, the provident fund center will issue a withdrawal check, and the payer only needs to take the check to the entrusted bank for withdrawal procedures. Legal basis Article 13 The housing provident fund management center shall set up a housing provident fund account in the entrusted bank. The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account. The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.
Fourth, is it reliable to pay a third-party provident fund?
Not reliable. First, it is impossible for a third party to pay the provident fund for a long time. Second, the provident fund must be paid jointly by individuals and units, and it is impossible for a third party to pay. Third, it is fraudulent for a third party to pay the provident fund.